What is the recruitment of credit card center?

Hello! What you should say is recruiting salespeople. The credit card center recruits people to cancel the card. If you drive more cards, your salary will be higher. They are not regular employees, but are equivalent to salesmen. Some of them have guaranteed wages, while others don't. Generally, people with group customer relationships can apply, which is not a long-term and stable job.

Extended data

Why should banks encourage people to apply for credit cards?

The benefits that credit cards bring to banks are divided into two aspects:

One is explicit income and the other is implicit income. Just like you teach students in New Oriental, the obvious advantage is that I will give you 500 yuan salary, which is superficial; The hidden advantage is that you have exercised your eloquence, made more friends and improved your English, which is the latter. The same is true of credit cards to banks.

Explicit income-reflected in the direct profits obtained by banks through credit cards, mainly including: interest income, annual fee income, merchant commission income, cash withdrawal fees and punitive fees, and some value-added service income.

Interest income: simply speaking, it is the interest paid by overdraft credit line, which is the main part of credit card income. You should know that there are two options for credit card repayment, one is full repayment and the other is minimum repayment. If the minimum repayment amount is selected, the bank will charge high interest on the remaining unpaid part.

Annual fee income: the literal meaning is easy to understand, that is, if you use my card, I will charge you a certain fee every year. Annual fee income was a high proportion of fixed income source before 2005, which once reached about 55% of credit card income. However, after 2005, with the intensification of competition, banks began to introduce the service of free annual fee or swiping cards several times a year, which made the proportion of annual fee income decrease year by year.

Credit card rebate income: customers use credit cards to buy things and spend money, and merchants have to give banks a certain percentage of the transaction amount, which is also the main part of credit card income. This part of the rebate is usually shared by the issuing bank, UnionPay and the acquiring bank, and has been at the level of 7: 1:2 for a long time. Nowadays, due to the fierce competition among banks, the bargaining power of merchants has been significantly improved, resulting in a sharp drop in the commission rate.

Cash withdrawal income and punitive income: the former refers to the handling fee paid at the counter or ATM, which stems from the purpose of banks to promote credit card consumption and prevent risks; The latter refers to the fine paid by credit card for overdraft, in order to make up for the risk loss brought to the bank by the cardholder's default. These two parts account for a relatively small proportion of credit card income.

Other value-added service income: For example, the fees paid by cardholders for purchasing goods by stages are actually similar to the intermediary business of interest income, but it is conducive to expanding consumption and controlling risks.

Hidden income-mainly refers to the extra income brought by credit card business to banks, including locking accounts and funds, and promoting other public and private businesses together.

Lock accounts and funds: this is the most important hidden income. For example, if a merchant uses a bank credit card to buy goods, installs a POS machine of the bank to collect money for customers, and at the same time opens value-added services such as installment (customers can pay directly by installment) and integral consumption, then the business process of the merchant will also be the process of bank expanding households and collecting money.